Private Banks Lead Repo Rate Transmission with 91% EBLR Linkage
Private banks face faster margin repricing than PSU peers as 91% of floating-rate loans align with EBLR following the RBI’s 25 bps repo rate hike.
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monetary policy
FCNR(B) Liquidity Influx: Strategic Shifts for Banks and NBFCs
A surge in FCNR(B) deposits is recalibrating the Indian credit market, pressuring bank margins while offering NBFCs a window for lower wholesale funding costs.
Read articleRBI Bulletin: Credit Creation May Not Be Constrained by Deposits
The RBI challenges the 'deposit-first' lending model, suggesting credit creation can precede liability mobilisation in a modern, digital banking ecosystem.
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